Purpose
A catastrophe notice is sent in the immediate aftermath of a declared catastrophe event — wildfire, hurricane, tornado, flood, or other widespread loss. It informs the insured that the carrier is aware of the event, outlines the claims process, and communicates any temporary modifications to normal deadlines or procedures.
When to Send
Catastrophe notices should be sent as quickly as possible after the event, often before individual claims are filed. Many states require proactive outreach to policyholders in affected areas.
Required Components
Event Acknowledgment
Identify the catastrophe event (by name, date, and declaration number if applicable) and acknowledge that the insured may have been affected.
How to File a Claim
Provide clear instructions for filing a claim, including phone numbers, online portals, and field-office locations if CAT teams have been deployed.
Modified Procedures
Explain any temporary changes to normal claims procedures:
- Extended filing deadlines
- Expedited payment processes
- Temporary housing / additional living expense procedures
- Proof-of-loss modifications
- Emergency repair authorizations
Consumer Rights
Notify the insured of their rights under applicable state regulations, including complaint processes and any catastrophe-specific consumer protections.
Resources
Provide links to relevant state resources: Department of Insurance consumer hotlines, FEMA resources, emergency management contacts.
Jurisdiction Notes
California
California has issued specific guidance on wildfire and smoke-damage claims. The CDI requires carriers to properly investigate smoke-damage claims even when the fire did not directly reach the property. Catastrophe-specific consumer notices are required, and the Fair Claims Settlement Practices Regulations apply with heightened scrutiny during declared events.
Texas
Texas storm and catastrophe-related claims are subject to the same prompt-payment timelines, though the TDI may issue temporary bulletins extending certain deadlines. Carriers must be prepared to adjust operations and maintain communication during events.
Adjuster Guidance
- Deploy CAT notices proactively, not just in response to filed claims
- Coordinate with state DOI guidance and any temporary bulletins
- Track extended deadlines carefully — they revert to normal timelines after the emergency period
- Document all communications during the catastrophe response period
- For wildfire claims, be prepared for both fire-damage and smoke-damage claims